There may be times that you feel down and have lost all hope when it comes to paying off debt.

When you are in a difficult financial situation, there are probably more than one time that you feel down, disappointed and have lost all hope.

But paying off your debt or saving money does not have to make you feel like this.

Okay. Let’s be honest, life is going to give you unexpected blows that you did not see coming, for example if your geyser suddenly bursts one night or your car breaks down when you need it the most.

The most important thing to do is to pick yourself up and move forward.

But it is sometimes easier said than done.

What you need is to stay motivated and focused!

 To be able to stay motivated and focused, it's a good idea if you have a set goal or dream that you are working towards.

It can be various things that keep you going:

  • A new car
  • Trip overseas
  • Saving money to finish your studies
  • The dream to pay off your debt and enjoy a debt-free life.

One thing that you often see in movies is people that carry around a picture of something or some place that is very important to them.

Well why don’t you try it?

Post a picture of your specific goal somewhere you can always see it.

Example: if you want to save money to travel to Paris, get a picture of the Eiffel Tower – put it on your desk, your refrigerator or even use it as your computer’s home screen.

It really is a great way to stay focused on what you what you achieve in the end.

Like mentioned before staying focused when it comes to financial matters is not always easy and you have to be patient, especially if you are working towards a financial goal.

Like the saying goes “Rome wasn’t built in a day”, and you can’t save money overnight – it takes time.

There will be months where you won’t be able to save as much money as you would like, but it doesn’t mean you should give up. Who knows there may also be times when you can save more than you bargained for, and that is always a good feeling.

The important thing to remember is to pick yourself up again out of that dark hole called debt, and keep on going until you are a 100% debt-free.

The important thing is that you should always stay focused and don’t give up.